Author Archives: Timothy E Thomas

About Timothy E Thomas

Senior business development officer, CENNTENNIAL LENDING, metro Denver. Responsible for SBA 504 production and conventional small balance commercial lending. Centennial is a credit union service organization owned by 13 credit unions in Colorado and Wyoming. Former SBA-USDA desk manager and Registered Representative for Isaak Bond Investments, Inc., a municipal broker dealer and market maker in SBA and USDA guaranteed loans and pools; taxable and tax exempt municipal bonds and agency securities serving institutional investors for over 33 years, member SIPC, FINRA.

Ivanhoe Capital Advisors of Chicago Acquire the Financing Desk – January 2014

“Our mission and objective,” write Tim Thomas, blogger at SBA Finance News. Com, and creator of the Financing Desk, “is to offer a complete, and I mean complete, suite of financing options for every conceivable US based business or commercial … Continue reading

Posted in Bank Investments, Commercial Bank Underwriting, Commercial lending, Commercial Loan Rates, Commercial Mortgage Trends, Funding Directories, Hotel Financing, SBA 504, SBA 7A Trends and Update, Secondary Marketing, Startup Financing | Tagged , , , , , | Leave a comment

How to Access Capital for Your Business – The List and The Directory

Link to a free 43 minute class on How to Access Capital for yopur Biz – and get the Directory of resources as well Continue reading

Posted in crowd funding, Free Seminars for Commercial Realtors(r), Funding Directories, Startup Financing | Tagged , , , , | Leave a comment

The Seven C’s of Credit (Not Five)

What you REALLY need to know to get your loan approved Continue reading

Posted in Commercial Bank Underwriting, Commercial lending, Commercial Loan Rates, SBA 504 | Tagged , , , , , | Leave a comment

Understanding the New Credit Mindset: Value and Income

Never underestimate the loan approval power of a good set of tax returns. Pay up, it’s worth it!
Continue reading

Posted in Commercial Bank Underwriting, Commercial lending, Commercial Loan Rates, SBA 504, Underwriting | Tagged , | Leave a comment

Everything You Always Wanted to Know about Yield Maintenance – But were Afraid to Ask

Once upon a time there was a bank that offered a 20 year fully amortized first mortgage for commercial real estate, the loan had to be on a building 51% or more owner occupied.  And it had to have an … Continue reading

Posted in Commercial Loan Rates, Commercial Mortgage Trends, SBA 504, Uncategorized | Tagged , | Leave a comment

SBA Gets Brokers Bank in the Game

Do you remember when commercial mortgage brokers had to track the hours that went in to each 7A loan package, with a strict limit on the fee?  Not any more, per last summers’ release of SOP 50-10-5 (E). The new … Continue reading

Posted in SBA 504, SBA 7A Trends and Update, Uncategorized | Tagged , , , , | Leave a comment

Demise of the SBA 504 Refinance Program

The 504 temporary refinance programn is at an ernd. What’s next? Here’s what. Continue reading

Posted in Commercial Loan Rates, Credit Union Investments, SBA 504, SBA 7A Trends and Update | Tagged , , , , , , , | Leave a comment

CMBS Market Returns and Fed purchases hold yields down for Commercial Borrowers

HIgh bond demand and looser underwriting on Wall Street? The two go hand in hand and right now that’s good for the moment for you and I. Continue reading

Posted in Bonds, Commercial Loan Rates, Commercial Mortgage Trends, SBA 504 | Tagged , , , , | Leave a comment

Credit Unions Add Variety to Commercial and SBA Mix

Credit unions offer fixed rates without the usual prepays Continue reading

Posted in Car Wash Financing, Commercial Loan Rates, Commercial Mortgage Trends, SBA 504 | Tagged , | Leave a comment

Cut my Debt, Maybe?

The path we are on was blazed by Ancient Rome, Heres tat great Cicero quote so apropos today Continue reading

Posted in Commercial Loan Rates, The Economy | Tagged , , | Leave a comment